Decimal Capital

Compare all 2 products from Decimal Capital in Kenya. Borrow up to Ksh 50,000.

Ksh 50,000

Max Amount

Instant for repeat borrowers, minutes for new ones

Fastest Disbursement

Total Products

Fast Loans

Product	Rate	Amount	Turnaround
Decimal Capital Digital Loan	N/A	Ksh 3,000 - Ksh 50,000	Instant for repeat borrowers, minutes for new ones	Apply
Decimal Capital Digital Loan	N/A	Ksh 3,000 - Ksh 50,000	Instant for repeat borrowers, minutes for new ones	Apply

View all Fast Loans→

Decimal Capital Pros & Cons

+Pros

✓Well-designed mobile app experience
✓Supports partial repayments when cash flow is tight
✓CBK-regulated and licensed, answerable to the Central Bank
✓Customer WhatsApp channel for quick escalations

-Cons

✗Mobile-first service assumes smartphone access
✗Gmail-only contact channel — no branded website

Eligibility Requirements

Minimum Income (Lowest)

Ksh 0

CRB Check Required

Not required

Employment Types Accepted

Any

Required Documents (across all products)

●National ID
●Smartphone with internet
●M-Pesa account

Expert Analysis

Decimal Capital is a CBK-licensed Digital Credit Provider, licensed in 2024. Pricing and disclosure obligations follow CBK's 2022 DCP rules. Decimal Capital leans into small-business and working-capital lending, targeting traders and SMEs rather than salaried employees.

Frequently Asked Questions

What loan amounts are available from Decimal Capital?

Decimal Capital offers loan amounts from Ksh 3,000 up to Ksh 50,000 depending on the product and your eligibility.

How fast does Decimal Capital disburse loans?

The fastest disbursement time from Decimal Capital is Instant for repeat borrowers, minutes for new ones. Actual processing time varies by product type and application completeness.

Does Decimal Capital require CRB clearance?

Decimal Capital does not strictly require CRB clearance for all products. Some products may be available without a CRB check, though having a clean credit record is always beneficial.